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by Lootman
April 21st, 2018, 8:14 pm
Forum: Technical Analysis
Topic: Where Have all the Chartists Gone?
Replies: 13
Views: 693

Re: Where Have all the Chartists Gone?

I am not a chartist myself, but market psychology is a key element and momentum cannot be ignored. Charts will bring some of this out. Yes, that, and also charts reflect the sum total of what all market participants think, know and are doing. There are other ways to divine that, but charts show it ...
by Lootman
April 21st, 2018, 1:38 pm
Forum: Legal Issues (Practical)
Topic: Married partners as landlords on AST property owned by only one of them?
Replies: 14
Views: 327

Re: Married partners as landlords on AST property owned by only one of them?

Maybe I am biased as a landlord of thirty years, but I never saw any reason why the tenant needed to know who owns the building. Only who they should deal with. That's probably because you and your tenant play by the rules - they pay their rent, and your agent does a good job on your behalf. When a...
by Lootman
April 21st, 2018, 1:56 am
Forum: Legal Issues (Practical)
Topic: Married partners as landlords on AST property owned by only one of them?
Replies: 14
Views: 327

Re: Married partners as landlords on AST property owned by only one of them?

The tenant has the legal right to know who their landlord is, and this can be demanded from any agent or person to whom they pay their rent (Landlord and Tenant Act 1985 Sections 1,2 and 3). OK, but the landlord could be an entity and not a person, in which case the tenant won't know the individual...
by Lootman
April 20th, 2018, 4:48 pm
Forum: Legal Issues (Practical)
Topic: Married partners as landlords on AST property owned by only one of them?
Replies: 14
Views: 327

Re: Married partners as landlords on AST property owned by only one of them?

Thanks for all the advice. It's really only so I can be my partner's representative with regards tenant liaison, legal obligations etc etc, so I guess a power of attorney would suffice in this instance? Please correct me otherwise… :) You can be a property manager without being the owner of the pro...
by Lootman
April 20th, 2018, 12:25 pm
Forum: Bank Accounts Savings & ISAs
Topic: Current Bank a/c and Savings a/c info changes
Replies: 14
Views: 379

Re: Current Bank a/c and Savings a/c info changes

Traditionally savings accounts offer interest as an inducement to save, and are not just vaults, and the bank expects the money to be there for a while longer than in a current account. Savings accounts are safer than current accounts because there are typically fewer ways to access the money, mean...
by Lootman
April 20th, 2018, 12:20 pm
Forum: Legal Issues (Practical)
Topic: Married partners as landlords on AST property owned by only one of them?
Replies: 14
Views: 327

Re: Married partners as landlords on AST property owned by only one of them?

If person A wants to transfer income derived from a property to person B, then all that is required is that Person A leases the property at a peppercorn/nominal rent on a full repairing lease to Person B. Person B then sublets the property and keeps the (post tax) profits on the income stream. Pers...
by Lootman
April 19th, 2018, 3:49 pm
Forum: Technology shares
Topic: My favourite tech stock
Replies: 4
Views: 236

Re: My favourite tech stock

The only thing that bothers me is their huge cash pile. Historically, companies with huge cash piles have squandered them on useless non-core acquisitions. But so far, they've shown no sign of being tempted to do that. That's because their cash pile is sitting in a Cayman Islands account where they...
by Lootman
April 18th, 2018, 10:45 pm
Forum: Polite Discussions
Topic: UK Military Action
Replies: 138
Views: 2254

Re: UK Military Action

if you need sure proof before starting a war then the Iraq war was possibly based on a logic fail. "Sure proof" isn't the criterion though. "Reasonably probable" may be sufficient to engage. I doubt that "sure proof" ever exists. It's more a matter of degree of probabi...
by Lootman
April 18th, 2018, 5:45 pm
Forum: Bank Accounts Savings & ISAs
Topic: Sort Code and Account No of a Credit Payment
Replies: 21
Views: 449

Re: Sort Code and Account No of a Credit Payment

StepOne wrote:For legitimate deposits surely everyone should be using online banking now.

How do you deposit cash using online banking?

I suspect the real laundering happens in large sums, bypasses the banking system, and uses Hawala or Bitcoin.

Or the old "diamonds up the bum" trick.
by Lootman
April 18th, 2018, 5:42 pm
Forum: Polite Discussions
Topic: UK Military Action
Replies: 138
Views: 2254

Re: UK Military Action

I suspect that Iraq was and is doomed no matter what, but at least we can protect ourselves and Western interests with judicious military intervention Removing the one stable secular state in the region has worked out really well for us... those ISIS chappies were much more amenable to our views. S...
by Lootman
April 18th, 2018, 2:31 pm
Forum: Polite Discussions
Topic: UK Military Action
Replies: 138
Views: 2254

Re: UK Military Action

You have a problem with juries of your peers? What system would you prefer? It would be nice to think that juries look at the evidence for the crime. Rather than just saying "He's a bad'un. He must be guilty". All I am suggesting is you do the same when considering military action. Unfort...
by Lootman
April 18th, 2018, 1:34 am
Forum: Polite Discussions
Topic: UK Military Action
Replies: 138
Views: 2254

Re: UK Military Action

The conclusion to the Iraq war then, was that it was NO threat to the UK, the USA or anyone else re WMD. And both the USA and the UK attacked a sovereign nation that was no threat and in the process killed or murdered or caused the death of hundreds of thousands of men, women and children. In anyon...
by Lootman
April 17th, 2018, 11:11 pm
Forum: Polite Discussions
Topic: UK Military Action
Replies: 138
Views: 2254

Re: UK Military Action

The conclusion to the Iraq war then, was that it was NO threat to the UK, the USA or anyone else re WMD. And both the USA and the UK attacked a sovereign nation that was no threat and in the process killed or murdered or caused the death of hundreds of thousands of men, women and children. In anyon...
by Lootman
April 17th, 2018, 8:51 pm
Forum: Polite Discussions
Topic: UK Military Action
Replies: 138
Views: 2254

Re: UK Military Action

Is our government more likely to be telling the truth than the Russians? - Yes. But "balance of probability" is not a sufficient level of proof to go and kill people. At least, not for me. I don't agree. If it is more likely than not that there is a threat then you neutralise the threat. ...
by Lootman
April 17th, 2018, 1:19 pm
Forum: Polite Discussions
Topic: UK Military Action
Replies: 138
Views: 2254

Re: UK Military Action

Our own government tells lies. They lied about Iraqi WMDs. HMG did not lie in that case. It just turned out that they didn't have them any more in the end. And there was plenty of evidence that Saddam had had them, because he used them. He just got rid of them at some point whilst refused to let th...
by Lootman
April 17th, 2018, 1:12 pm
Forum: High Yield Portfolios (HYP) - Practical
Topic: "UK dividends unsustainable"
Replies: 17
Views: 1550

Re: "UK dividends unsustainable"

The huge increase announced recently is partly an attempt to placate investors outrage at the CEO's £100m gains from their idiotic executive bonus scheme. Which those same investors presumably approved at a shareholder vote? I've held PSN for a number of years and it has done very well for me. I do...
by Lootman
April 16th, 2018, 7:56 pm
Forum: International & Expat Investors
Topic: Keep UK brokerage account?
Replies: 9
Views: 543

Re: Keep UK brokerage account?

I'm trying to balance keeping a UK presence over potential domicile and IHT issues Yes, in theory it is your domicile that determines your IHT liability rather than your residency. But in practice someone who has technically retained UK domicile but who has lived overseas for a while, with their fa...
by Lootman
April 16th, 2018, 7:49 pm
Forum: Retirement Investing (inc FIRE)
Topic: Retirement Age vs Life Span
Replies: 19
Views: 665

Re: Retirement Age vs Life Span

Clearly, the life spans would not make any sense at all if they included people who retired early due to ill health. The context of the linked article was people voluntarily retiring early, who would have been the better off ones. Yes, assuming the effect is true when you discount those who are alr...
by Lootman
April 16th, 2018, 4:25 pm
Forum: Beerpig's Snug
Topic: Wetherspoon pub chain shuts all social media accounts
Replies: 7
Views: 329

Re: Wetherspoon pub chain shuts all social media accounts

But if you're glued to your mobile all evening, how much are you still drinking? At Wetherspoons you can order a round of drinks on your mobile and they get delivered to your table. I was sceptical about how this would work at busy times but it was actually quicker than going to the bar. And on a F...
by Lootman
April 13th, 2018, 2:59 pm
Forum: Polite Discussions
Topic: Should PM apologise for "the crimes"...
Replies: 8
Views: 251

Re: Should PM apologise for "the crimes"...

In general, if your country was colonised by the British, it worked out well for you. If you look at the colonised nations that are prosperous democracies today, they were former British colonies i.e. the US, Canada, Australia, New Zealand, Hong Kong, Singapore. Look at the former French, Spanish, ...

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